While Hannon-Ryan tries to provide information and materials that are as accurate and current as possible, and all of it is believed to be accurate and reliable when placed on the Site, the material on this site is provided as is. We disclaim any implied warranty or representation about their accuracy, completeness, or appropriateness for your situation or for a particular purpose. We make no warranties of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. Rates, coverages and other information is subject to change at any time without notice to users and the posted rates and fees at the Site may not immediately reflect such changes. You assume full responsibility for using the information and material obtained from the Site, including any coverage suggestions or rate quotations, and you understand and agree that Hannon-Ryan is neither responsible nor liable for any claim, loss, or damage resulting from such use, inability to use, or the results of use of this site, or the material or information contained herein. If you notice something wrong or inaccurate, please let us know so we can correct it.

In the event of any discrepancy between the information obtained at this Site and any insurance company-authorized illustration and/or policy, the policy shall govern. All products are subject to underwriting requirements, and not all products may be available in all states. The information on this Site does not constitute an advertisement of insurance, offer of insurance, or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. By completing an online rate quote request or application, you are confirming that you are neither such a person nor a resident of such a jurisdiction.

In some locations, this Site may provide references or links to outside web sites. Links to third party websites on this site are provided solely as a convenience to you. Hannon-Ryan does not endorse, does not make any representations or warranties, and is not responsible for the content of any of these links or references to other sites (all of which are maintained by others).

Privacy Policy Notice

(as of July 1, 2001)

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Massachusetts, generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of this State, we are providing you with this document, which notifies you of the privacy policies and practices of Hannon-Ryan Insurance.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect:

A. Categories of Information Collected and Sources From Which We Collect It

1 (a) We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms.

Information about your transactions with us, our affiliates or others.

B. Persons From Whom Information is Collected

2. Information we may disclose to third parties:

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

4. Our policy regarding dispute resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

5. Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, Hannon-Ryan Insurance and its affiliates [if any] reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that

(1) concentrates its business in a similar practice or service; (2) agrees to be [name of institution]'s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.